APR for 14-day $100 loan: There is no limit, but state regulators report an average APR of 410%

Debt and Collection Limits in Texas

Maximum Number of Loans at any one time: Not specified

Rollovers Permitted: None

Collection Fees: Lenders can charge a late fee of 5% of payment or $7.50, whichever is greater

Criminal Action: Prohibited unless fraud or forgery was committed

CashinaSnap is here to assist you with emergency expenses when you need it the most. We are simply the best place to get an online payday loan in Texas. We have been in business for more than a decade and have over 100 direct payday lenders who can help you right now.

You can use your smartphone and complete our simple, short, and secure form in 1-3 minutes. We are confident of our direct payday lenders who can help people searching for “Texas payday loans.” Once you complete our form, you will typically get an answer in less than 90 seconds.

Here, at CashinaSnap, we use encryption technology to protect your sensitive information.

Advantages of a Texas Online Loan

CashinaSnap is a respected referral source for Texas payday loans online. As we work with licensed lenders, you can feel comfortable that any lender who contacts you is ready and willing to lend right at that time.

Why Choose CashinaSnap for Your Texas Payday Loan Online

Here are some reasons to use our top quality service:

Instant Decision: We provide an instant loan decision (10-90 seconds) on your Texas payday loan request. We save you time and gas money, so you don’t have to drive around looking for a storefront. And, with over 100 lenders, your chances for approval are much higher than with a traditional storefront.

Security: Requesting a payday loan online can be tricky. We provide the security you want and deserve. We do not sell your private data to third parties.

Ease of Use: 1-3 minutes to complete our form and less than 90 seconds to get an answer, what could be faster?

Some FAQs for Payday Loans in Texas

What do I need to request a payday loan in Texas?

Requesting a payday loan is a straightforward process. To qualify, you will:

Have to be at least 18 years of age

Have to be a citizen or permanent resident of the U.S.

Need to have a regular source of income (Social Security or disability may qualify)

Need to have an active checking account, phone number, and email

You will have to provide your Social Security number to confirm your identity, and our short loan request form has questions about your employment, income, bank account, and some personal information.

How many payday loans can I have in Texas?

There is no limit on the number of payday loans you can have in Texas. However, we recommend you never have more than 1 open loan. Do not use a second loan to pay the first one as the costs really add up. Payday loans are fee-based, but the fees can add up fast.

Can I get a payday loan in Texas if I don't have a job?

Possibly. You need a steady income to qualify for a loan. However, if you have a pension income, Social Security income, or disability payments, you may qualify for a short term loan. If you have none of these, you will likely not qualify for any type of loan.

Can you go to jail for not paying a payday loan in Texas?

No, it is against the law in Texas for you to face any criminal charge if you default on your online payday loan in Texas. Texas law is quite clear; you cannot be jailed for failing to pay a debt.

If you need immediate cash due to a personal emergency, it is likely you can obtain a Texas payday loan.